Do better, together

RateSetter is a peer-to-peer lender. We connect investors who want a better rate on their money with creditworthy borrowers who want a simple, competitive loan.

  • Better rates

    Low interest rates to reward good borrowers
  • Fast application

    Easy online application completed in minutes
  • Simple and flexible

    No early repayment fees and easy online management

1 minute RateEstimate

Won't affect your credit score

RateSetter now offers flexible business finance

Learn more

We think Australian investors should get more and borrowers should pay less, so we cut the costs and inefficiencies of traditional financial institutions.

An unrivalled track record


Value of loans funded


Everyday Australian investors


Capital and interest returned as due

The most loved peer-to-peer lender

RateSetter is the highest rated peer-to-peer lender in Australia, rated 4.9 / 5 by borrowers and lenders on

"I found the interest rate for unsecured finance the best available. The loan process was so easy and the staff provided exceptional customer service"

Maria Melbourne

"I had no idea how much I could save. By moving over my loan from the bank to RateSetter, I'll be saving myself thousands in interest thanks to their very competitive rates"

Sam Gold Coast

"Very easy and straightforward. Online application is quick, easy to understand and does most of the work for you. Thank you RateSetter"

Lee Perth

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